Any honest comparison of Mooncard, Spendesk and Qonto quickly reveals three distinct philosophies (accounting-engine-driven spend control, multi-card spend management, and business current accounts), and zero solutions that combine fuel, tolls, EV charging and CSR on a single card. This 2026 comparison is the one we wished existed when building a short-list: it puts network coverage, fees, accounting integration, mobility coverage and CSR angle side by side, with Greenway positioned where it actually sits rather than where a flattering ranking might place it.
- These three players are not competing in the same space: Mooncard bets on its accounting engine and e-invoicing, Spendesk on single-use virtual cards and online purchasing, Qonto on the business account and its integration marketplace.
- None of them natively covers fuel + tolls + EV charging on a single card, and that is the key differentiator from the Greenway corporate card.
- The right comparison is not about subscription price, but about total cost (data entry, reconciliation, number of vendors to manage) and the ability to produce measurable CSR reporting.
Mooncard, Spendesk, Qonto: three philosophies, not a podium
Before comparing line by line, you need to understand what each one actually sells. Mooncard, founded in 2016, was built around a Visa corporate card backed by an accounting engine: every payment generates a pre-filled journal entry and an attached receipt, with native integration into Sage, Cegid, EBP and Pennylane[1]. The company has invested heavily in e-invoicing compliance (2026 rollout, Factur-X format) and offers a dedicated Mobility plan covering fuel and tolls, at around €7.50 excl. VAT per card per month[2].
Spendesk takes the opposite approach: issue more cards to gain more control. The solution issues physical Mastercard cards alongside single-use virtual cards (a disposable number per supplier, per purchase, per subscription), with limits up to €200,000 per card for euro-denominated companies[3]. It is a pre-accounting tool designed for online purchasing and SaaS. Pricing is not public and requires a custom quote.
Qonto is not a spend management tool. It is a business neobank. The core product is a current account (IBAN, transfers, direct debits), with Mastercard Business cards as an add-on. The Essential (€49 excl. VAT/month) and Business (€99 excl. VAT/month) plans include physical and virtual cards, and accounting integration is handled through a marketplace where Pennylane and Sage connect natively[4]. It makes sense for a micro-business that needs a business account, less so for an SME looking to manage mobility spend.
The comparison: Greenway vs Mooncard, Spendesk, Qonto
Rather than a wall of text, a table. Four columns covering the criteria that actually drive the decision: one column per criterion, then Greenway and Mooncard each on their own, with Spendesk and Qonto grouped together (their spend management logic converges on most dimensions). Figures are public or indicative. For Spendesk, everything requires a quote.
| Criterion | Greenway | Mooncard | Spendesk / Qonto |
|---|---|---|---|
| Philosophy | One card, all use cases (fuel, tolls, EV charging, expenses) | Visa card + accounting engine + e-invoicing | Spend management (Spendesk) / business account (Qonto) |
| Network & coverage | Multi-brand fuel, tolls, EV charging, expense reports on a single card | Mobility (fuel + tolls + EV charging) as an optional add-on, otherwise general-purpose | General-purpose, with no native dedicated mobility coverage |
| Limits & controls | Per-employee/zone limits, integrated fleet management | Per employee, per category, real-time | Up to €200,000/card (Spendesk), per-transaction limits (Qonto) |
| Accounting integration | Structured export, consolidated reporting | Native Sage, Cegid, EBP, Pennylane | Marketplace (Pennylane, Sage…): native for Qonto, pre-accounting for Spendesk |
| Indicative price | On request | ~€49 excl. VAT/month (SME) + ~€10/physical card[1] | Spendesk on request. Qonto Essential €49 excl. VAT/month[4] |
| CSR angle | 1%ForAll®: 1% of every transaction donated, measurable impact reporting | Not structured as standard | Not structured as standard |
No single card wins everywhere, and that is what drives the decision. Spendesk leads on online purchasing, Mooncard on accounting integration and e-invoicing, Qonto on the business account. Greenway stands apart on a different axis: combining fuel, tolls, EV charging and expenses on a single card, with 1% donated and tracked.
The real cost is not the subscription fee
The classic trap in any comparison is to focus on the headline price and ignore everything else. A card at €49 excl. VAT/month that eliminates four hours of weekly data entry is a better deal than a card that is "included" but leaves all the work to the accountant. The subscription gap between Mooncard (~€49 excl. VAT/month for SMEs, plus roughly €10 per physical card)[1] and Qonto (Essential at €49 excl. VAT/month)[4] is negligible. The real difference lies in accounting automation and time saved.
Spendesk takes this logic to the extreme: no public pricing, because the model is built around the volume of spend managed and the number of virtual cards issued. That is honest in principle (cost follows usage), but it makes direct comparison difficult until you have quantified your own online purchasing. Our recommendation: before any demo, list your spend categories (fuel, SaaS, mobility, expense reports) and their monthly volume. That figure, not the brand name, is what separates the options.
The criterion that changes everything: mobility, EV charging and tolls
This is where the comparison gets interesting. Mooncard Mobility covers fuel, tolls, parking and EV charging. It is a genuine mobility card, but a separate offering from the rest of the product range[2]. Spendesk and Qonto do not cover any of these use cases natively: for fuel or tolls, you need to add a second provider. Bringing in extra vendors is exactly the fragmentation that a corporate card was supposed to eliminate.
Greenway starts from the opposite premise: one card for multi-brand fuel, tolls, EV charging and expense reports, managed from a single back-office with spend limits and policy rules configurable per driver and per zone. For a mixed petrol/electric fleet, this avoids creating a separate mobility silo alongside the expenses silo. Full coverage details are on the corporate card page.
Stacking vendors. A corporate card with Mooncard or Qonto, a fuel card from a petrol company, a toll transponder from a third party, and an expense management tool on top: that is four contracts, four accounting exports, four support lines to manage. The hidden cost is not in the subscription. It is in that fragmentation.
CSR, CSRD and 1%: the differentiator you can't negotiate away
On classic criteria (spend limits, accounting integration, virtual cards), each of the three holds up well. On CSR, the market is still empty. The CSRD directive is pushing companies to produce non-financial impact reporting. A card that only outputs net transaction amounts misses that need entirely. This angle is explored in our article on the corporate card and CSR.
Greenway differentiates itself here through the 1%ForAll® programme: 1% of every transaction is donated to the Greenway Foundation, with measurable, categorised impact reporting. This is not a marketing layer applied to a standard card. It is built into the model. For a finance team that needs to meet CSRD requirements, having a spend stream already tagged with "impact" at source changes the equation: the data exists from day one, rather than being reconstructed after the fact.
How to decide based on your profile
Three questions are enough to point you in the right direction. 1) What is your top priority? Automating online purchasing and SaaS: Spendesk. Strengthening accounting and e-invoicing compliance: Mooncard. Opening a simple business account: Qonto. Consolidating fuel, tolls, EV charging and expenses on a single CSR-enabled card: Greenway.
2) Do you have a fleet or significant travel spend? If yes, the decision shifts: none of the three competitors natively covers fuel + tolls + EV charging. You either accept the fragmentation or you consolidate, which is the positioning of the Greenway corporate card. 3) Is CSR in your criteria? If the answer is yes (public tenders, CSRD, corporate purpose), 1%ForAll® is not a bonus. It is a selection criterion. For a deeper look at spend management, the corporate card white paper covers the full picture.
Frequently asked questions
Which is the best corporate payment card: Mooncard, Spendesk or Qonto?
None of them wins everywhere. Spendesk excels at online purchasing thanks to its single-use virtual cards, Mooncard on the accounting engine and e-invoicing, Qonto on the business account and IBAN. Greenway sits on a different axis: combining fuel, tolls, EV charging and expenses on a single card, with 1% donated on every transaction.
How much does a Mooncard or Spendesk corporate card cost?
Mooncard starts at around €49 excl. VAT/month for SMEs, plus roughly €10 per physical card, and offers a Mobility plan at ~€7.50 excl. VAT per card[1]. Spendesk does not publish pricing: subscription terms are negotiated based on spend volume. Qonto lists Essential at €49 excl. VAT/month[4].
Do Mooncard, Spendesk or Qonto handle fuel and tolls?
Mooncard Mobility covers fuel, tolls, parking and EV charging, but it is a separate offering from the main product range[2]. Spendesk and Qonto do not cover any of these use cases natively. You need to add a separate provider. Greenway brings them all together on a single card.
Which card integrates best with Sage, Cegid or Pennylane?
Mooncard offers native integration with Sage, Cegid, EBP, as well as Pennylane[1]. Qonto connects natively to Pennylane and Sage via its marketplace[4]. Spendesk positions itself as a pre-accounting tool that exports to major accounting software. Mooncard and Qonto are neck and neck on this criterion.
What sets Greenway apart from Mooncard, Spendesk or Qonto?
The three competitors are spend management or business account tools. Greenway is a multi-use card (fuel, tolls, EV charging, expenses) backed by the 1%ForAll® programme: 1% of every transaction donated, with measurable impact reporting. The difference lies in consolidated mobility coverage and the CSR angle, not in pure spend management.
Do you really need single-use virtual cards?
If your online purchasing and SaaS subscriptions are high-volume, yes: single-use virtual cards (popularised by Spendesk, with limits up to €200,000)[3] secure payments without exposing your main card details. For mobility and field expenses, a physical multi-use card is more than sufficient.
Pillar article. This comparison is part of our corporate card and business payments white paper, which connects spend limits, accounting integration, e-invoicing and CSR.
References
- Comparateur Notes de Frais, Mooncard — review (Visa corporate card, Start/Original/Hub plans, Sage/Cegid/EBP/Pennylane integrations, ~€49 excl. VAT/month SME + ~€10/physical card). comparateur-notes-de-frais.fr. ↩
- Mooncard, Mooncard Mobility — Multi-brand Fuel Card (fuel, tolls, parking, EV charging, ~€7.50 excl. VAT/month per card). mooncard.co. ↩
- Spendesk Help Center, Card Limits Explained (limits up to €200,000/£200,000 per card for euro/sterling companies, single-use Mastercard virtual cards). helpcenter.spendesk.com. ↩
- Qonto, Pricing and plans (Essential €49 excl. VAT/month, Business €99 excl. VAT/month, physical and virtual Mastercard Business cards, native Pennylane/Sage integration). qonto.com. ↩
